FNCLvsXLFIETF Comparison
VS
ETF 2
XLFI
State Street Financial Select Sector SPDR Premium Income Fund
This fund is part of
Options Strategies
+0.52%
Fidelity MSCI Financials Index ETF (FNCL) belongs to the US Financials segment. State Street Financial Select Sector SPDR Premium Income Fund (XLFI) is part of the Options Strategies segment. Both ETFs have the same top 3 sector exposures: Finance, Technology and Business Services. FNCL is less expensive with a Total Expense Ratio (TER) of 0.084%, versus 0.35% for XLFI. FNCL is up 5.68% year-to-date (YTD) with -$150M in YTD flows. XLFI performs worse with 5.21% YTD performance, and +$8M in YTD flows. Run a side-by-side ETF comparison of FNCL and XLFI below, and assess how they stack up in performance, liquidity, risk, exposure, holdings, and more, helping you select the best ETF for your investments.
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FNCL vs XLFI performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 09/11/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | FNCL XLFI | -1.20%+0.11% | +8.79%+7.75% | +5.68%+5.21% | +7.45%+7.95% | +77.16%n/a | +65.06%n/a |
| Flows | FNCL XLFI | -$8M+$2M | -$19M+$5M | -$150M+$8M | -$125M+$9M | +$64M- | -$152M- |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | FNCL XLFI | +13.27%+8.88% | +14.88%+11.51% | +16.86%n/a | +19.13%n/a |
| Max drawdown | FNCL XLFI | -2.91%-2.14% | -14.71%-11.60% | -17.30%n/a | -25.71%n/a |
| Max drawdown duration | FNCL XLFI | 8d8d | 177d185d | 129dn/a | 770dn/a |
Trading data
FNCL | XLFI | |
Last sale 9/11/2026 at 1:30 PM | $81.37 | $24.25 |
| Previous close 09/10/2026 | $80.89 | $24.11 |
| Consolidated volume 09/10/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of August 31, 2026
1-year trailing difference
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XLFI
is actively managed and doesn’t replicate an indexFNCL | XLFI | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 9/11/2026 at 1:30 PM
Live
Closed
FNCL | XLFI | |
|---|---|---|
| Last price | $81.37 | $24.25 |
| 1D performance | +0.59% | +0.58% |
| AuM | $2.37 B | $9.94 M |
| E/R | 0.084% | 0.35% |
Characteristics
FNCL | XLFI | |
|---|---|---|
| Management strategy | Passive | Active |
| Provider | Fidelity | State Street Investment Management |
| Benchmark | MSCI USA IMI Financials 25/50 Index | - |
| N° of holdings | 383 | 76 |
| Asset class | - | - |
| Trailing 12m distribution yield | Join | Join |
| Inception date | October 21, 2013 | July 30, 2025 |
| ESG | No | No |
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Exposure
Countries
FNCL
USA
95.96%
Other
4.04%
XLFI
USA
96.01%
Other
3.99%
Sectors
FNCL
Finance
95.7%
Other
4.3%
XLFI
Finance
95.33%
Other
4.67%
Diversification
FNCL
Total weight of top 15 holdings out of 15
55.95%
XLFI
Total weight of top 15 holdings out of 15
65.55%
Top 15 holdings
Data as of July 31, 2026
FNCL
JPMorgan Chase & Co.
10.47%
Berkshire Hathaway, Inc.
7.79%
Visa, Inc.
6.73%
Mastercard, Inc.
5.03%
Bank of America Corp.
4.64%
The Goldman Sachs Group, Inc.
3.33%
Wells Fargo & Co.
2.91%
Morgan Stanley
2.74%
Citigroup, Inc.
2.47%
American Express Co.
1.95%
The Charles Schwab Corp.
1.91%
BlackRock, Inc.
1.77%
S&P Global, Inc.
1.41%
The Progressive Corp.
1.40%
Chubb Ltd.
1.39%
XLFI
JPMorgan Chase & Co.
11.69%
Berkshire Hathaway, Inc.
11.63%
Visa, Inc.
7.53%
Mastercard, Inc.
5.73%
Bank of America Corp.
5.01%
The Goldman Sachs Group, Inc.
3.73%
Wells Fargo & Co.
3.28%
Morgan Stanley
3.13%
Citigroup, Inc.
2.79%
American Express Co.
2.22%
The Charles Schwab Corp.
2.13%
BlackRock, Inc.
1.95%
Capital One Financial Corp.
1.61%
Chubb Ltd.
1.57%
S&P Global, Inc.
1.55%
Frequently asked questions about FNCL and XLFI
How have the FNCL and XLFI ETFs performed in 2026?
As of September 11, 2026, FNCL is up 5.68% year-to-date (YTD), while XLFI has returned 5.21%. That puts FNCL better performer ahead so far this year.
Which ETF is attracting more investor money: FNCL or XLFI?
Year-to-date, the FNCL ETF saw -$150M in flows, compared to +$8M for XLFI.
Which ETF is more volatile: FNCL or XLFI?
Over the past year, FNCL had a volatility of 14.88%, while XLFI experienced 11.51%.
Which ETF is bigger: FNCL or XLFI?
As of September 11, 2026, FNCL holds $2.37 B in assets under management (AUM), while XLFI manages $9.94 M.
What sectors do the FNCL and XLFI ETFs invest in?
FNCL leans toward sectors like Finance. Meanwhile, XLFI focuses on Finance.
What are the top holdings of the FNCL ETF and XLFI ETF?
FNCL top holdings include JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc.. XLFI holds in its top three: JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc..
Which ETF is more diversified: FNCL or XLFI?
FNCL holds 383 securities with 55.95% of its assets in the top 15. XLFI has 76 securities and a top 15 weight of 65.55%.
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